Katherine E Schofield1, Bruce H Alexander2, Susan G Gerberich3, Richard F MacLehose4. 1. University of Minnesota Duluth, Duluth, MN, USA; University of Minnesota, Minneapolis, MN, USA. Electronic address: kscho@d.umn.edu. 2. University of Minnesota, Minneapolis, MN, USA. Electronic address: balex@umn.edu. 3. University of Minnesota, Minneapolis, MN, USA. Electronic address: gerbe001@umn.edu. 4. University of Minnesota, Minneapolis, MN, USA. Electronic address: macl0029@umn.edu.
Abstract
INTRODUCTION: Insurance loss prevention (LP) representatives have access and contact with businesses and employees to provide targeted safety and health resources. Construction firms, especially those smaller in size, are a high-risk population. This research evaluated the association between LP rep contact and risk for lost-time injuries in construction policyholders. METHODS: Workers' compensation data were utilized to track LP rep contact with policyholders and incidence of lost-time injury over time. Survival analysis with repeated events modeling calculated hazard ratios (HR) and 95% confidence intervals (CI). RESULTS: Compared no LP contact, one contact was associated with a 27% reduction of risk (HR=0.73, CI=0.65-0.82), two with a 41% (HR=0.59, CI=0.51-0.68), and three or more contacts with a 28% reduction of risk (HR=0.72, CI=0.65-0.81). CONCLUSIONS: LP reps appear to be a valuable partner in efforts to reduce injury burden. Their presence or contact with policyholders is consistent with reduction in overall incidence of lost-time injuries. PRACTICAL APPLICATIONS: Reduction in lost-time injuries, resulting in reduced workers' compensation costs for policyholders and insurance companies, builds a business-case for safety and injury prevention. LP reps are often a low or no-cost benefit for insurance policyholders and may be an important injury prevention resource for small firms and/or those with lack of safety resources and staff.
INTRODUCTION: Insurance loss prevention (LP) representatives have access and contact with businesses and employees to provide targeted safety and health resources. Construction firms, especially those smaller in size, are a high-risk population. This research evaluated the association between LP rep contact and risk for lost-time injuries in construction policyholders. METHODS: Workers' compensation data were utilized to track LP rep contact with policyholders and incidence of lost-time injury over time. Survival analysis with repeated events modeling calculated hazard ratios (HR) and 95% confidence intervals (CI). RESULTS: Compared no LP contact, one contact was associated with a 27% reduction of risk (HR=0.73, CI=0.65-0.82), two with a 41% (HR=0.59, CI=0.51-0.68), and three or more contacts with a 28% reduction of risk (HR=0.72, CI=0.65-0.81). CONCLUSIONS:LP reps appear to be a valuable partner in efforts to reduce injury burden. Their presence or contact with policyholders is consistent with reduction in overall incidence of lost-time injuries. PRACTICAL APPLICATIONS: Reduction in lost-time injuries, resulting in reduced workers' compensation costs for policyholders and insurance companies, builds a business-case for safety and injury prevention. LP reps are often a low or no-cost benefit for insurance policyholders and may be an important injury prevention resource for small firms and/or those with lack of safety resources and staff.
Authors: Natalie V Schwatka; Liliana Tenney; Miranda J Dally; Joshua Scott; Carol E Brown; David Weitzenkamp; Erin Shore; Lee S Newman Journal: Occup Health Sci Date: 2018-03
Authors: Steven J Wurzelbacher; Stephen J Bertke; Michael P Lampl; P Timothy Bushnell; David C Robins; Steven J Naber; Libby L Moore Journal: J Occup Environ Med Date: 2022-02-01 Impact factor: 2.306